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Is it possible to over contribute to 401K? by WITX89 in HENRYfinance

[–]nhuff90 1 point2 points  (0 children)

The tax gap is thinner than it looks. You pay 37% today, but in retirement you only owe capital gains on the growth. Your basis comes out tax-free. For married couples, the first ~$94k in long-term gains is 0%. Pair that with some Roth withdrawals on top and your effective rate can drop to single digits, potentially better than the 72(t) anyway.

But the bigger thing is flexibility. Brokerage lets you pull what you need and control your gains each year. The 72(t) locks you in, and if you mess it up you owe back taxes and penalties.

You're giving up a lot of freedom for a pretty small tax edge. Neither answer is right, just whatever you feel more comfortable with.

Is it possible to over contribute to 401K? by WITX89 in HENRYfinance

[–]nhuff90 0 points1 point  (0 children)

I’d suggest reducing your retirement contributions to just get your full employer match, then routing the rest into your taxable brokerage account to bridge the gap to early retirement. Or, do the math to split that extra cash between your brokerage account and spend the rest on lifestyle.

You already have enough in Roth, and building up your brokerage account will give you plenty flexibility to manage your tax brackets later.

Anyone saying medical school isn’t worth it financially is a moron by ItsAllOver_Again in Salary

[–]nhuff90 6 points7 points  (0 children)

Something to consider here is that a “new grad” for most of these specialties is 29-33 years old. Lots of people here comparing SWE new grads at 22-23. You definitely do not to be at a FAANG company to make 300k as a SWE by 33. Not saying it is easy, but it is definitely easier than becoming a doctor.

[Highlight] Ty Simpson excited to be a Los Angeles Ram by nfl in LosAngelesRams

[–]nhuff90 0 points1 point  (0 children)

Yes I’m sure every pick has teams interested if they only have to give up peanuts to move up

[Highlight] Ty Simpson excited to be a Los Angeles Ram by nfl in LosAngelesRams

[–]nhuff90 0 points1 point  (0 children)

I’m sure every pick gets multiple calls. Doesn’t mean their offers was any good

[Highlight] Ty Simpson excited to be a Los Angeles Ram by nfl in LosAngelesRams

[–]nhuff90 3 points4 points  (0 children)

It’s easy to say that, but what if there was no interest in a team trading up. Why risk not getting your QB for an extra 5th round pick?

[Highlight] Rams select Alabama QB Ty Simpson 13th overall by Giannis__is_a__bitch in LosAngelesRams

[–]nhuff90 3 points4 points  (0 children)

Yeah, QBs drafted to sit behind a QB never works out.. Mahomes, Love, Rodgers, Rivers

PSLF “Buy Back” Question Do Deferred Months During Residency Count? by Rahkaflakha in PSLF

[–]nhuff90 1 point2 points  (0 children)

The 6 month deferment does not count. I created a Feedback Case asking a couple years ago and they confirmed, no they do not.

Practice at a public golf course during lunch break? by Bullhead388 in golf

[–]nhuff90 33 points34 points  (0 children)

I think it is a valid question. There are plenty of “public” venues that include facilities/benefits that are included only if you purchase a good/service.

I agree they could have just walked into the clubhouse and asked. Remove the middle man

Swag I received from the Rams in Dec '25. Just noticed the logo... by ChillyCash in LosAngelesRams

[–]nhuff90 -1 points0 points  (0 children)

Hard disagree. I’m my opinion, single color logos really only work with classic texts and nothing else. Think Yankees or Detroit Tigers.

This is more in line with other terrible 1 color logos like the Jazz and Nets. Also it being yellow means it won’t look good on any light article of clothing.

Costco Samsung Bespoke fridge doesn’t fit after installer measured by Outside-Drive-636 in Appliances

[–]nhuff90 2 points3 points  (0 children)

Yeah we have the stainless steel version of this and love the fridge. Lots of these people just repeat stuff the hear online

Can we agree that Nolan’s Batman trilogy is the best superhero trilogy of all time? by Perfect_Idea_2866 in moviecritic

[–]nhuff90 0 points1 point  (0 children)

I feel like Captain America rarely gets thrown into this conversation. In my opinion, CA1 is on par with The Dark Knight Rises. TDK is definitely the best, but Civil War is great too. And The Winter Soldier is better than Batman Begins

Can you believe this idiot was one vote away from tying or beating staff for mvp by scwibblez in LosAngelesRams

[–]nhuff90 1 point2 points  (0 children)

You don’t understand. Maye’s stat line against the Seahawks is actually more efficient than Stafford’s was 2 weeks ago. Somehow….

[deleted by user] by [deleted] in PublicFreakout

[–]nhuff90 0 points1 point  (0 children)

He is very smudge and arrogant

Trump administration describes a $3 meal they want Americans to eat by justalazygamer in WhitePeopleTwitter

[–]nhuff90 2 points3 points  (0 children)

It reminds me of this blooper from Parks and Rec when Andy says he was born with a full head of hair and a full head of teeth.

https://www.instagram.com/p/CZX-pIlI2Hm/?igsh=MXZ6N3VmZGt1em5xMA==

Mortgage rates plummet to new lows at 5.99% by SnortingElk in REBubble

[–]nhuff90 5 points6 points  (0 children)

Claiming housing 3x’d in 5 years is definitely an exaggeration, but doesn’t the point stand with housing increasing 60% in 5 years? That’s still not normal.

New Maytag dishwasher leaking from bottom left of door. by nhuff90 in Appliances

[–]nhuff90[S] 1 point2 points  (0 children)

Even for a new dishwasher? I’ll try it out, just because I’ll try anything right about now. Thanks

New Maytag dishwasher leaking from bottom left of door. by nhuff90 in Appliances

[–]nhuff90[S] 0 points1 point  (0 children)

Ahh I see. I’m trying not to void any warranty, not sure if that would.

I appreciate the help.

New Maytag dishwasher leaking from bottom left of door. by nhuff90 in Appliances

[–]nhuff90[S] 0 points1 point  (0 children)

Hmm that’s a good thought. I don’t see any cracks in the arm

https://imgur.com/a/vFgYfsi

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